The SR-22 filing itself is cheap — typically $15 to $50 one-time. What drivers confuse with the ‘fee’ is usually the premium increase that triggered the requirement in the first place.
Where the money goes
- Filing fee ($15–$50): paid once, wired by the insurer to the state DMV. Some insurers waive it entirely as a signup sweetener.
- Reinstatement fees ($50–$500+): paid to the DMV, separate from insurance, often required before the suspension lifts.
- Premium increase (the big one): the underlying violation, not the filing, is what doubles or triples your rate.
| State | Typical monthly range |
|---|---|
| California | $95–145 |
| Texas | $78–120 |
| Florida | $105–160 |
| New York | $112–170 |
| Ohio | $62–95 |
| Georgia | $84–128 |
| Arizona | $88–132 |
| Illinois | $74–112 |
| Pennsylvania | $70–108 |
| North Carolina | $58–92 |
| Michigan | $118–178 |
| Colorado | $82–125 |
Frequently Asked Questions
How much is an SR-22 filing fee?
Between $15 and $50 as a one-time charge in most states. Several insurers file free for new customers, so it is worth comparing — never pay the fee twice for one filing.
Is the SR-22 fee monthly or one-time?
One-time per filing period in nearly every state. If a company charges it monthly, you are looking at an admin-fee-heavy insurer — get quotes elsewhere.
Why did my SR-22 quote cost so much?
The filing is pennies; the underlying violation (DUI, uninsured accident, suspension) is what drives the premium. Compare carriers that specialise in high-risk drivers — spreads of $600+/year are common for identical records.
Do I pay the DMV or the insurance company?
Both, for different things: the insurer handles the filing fee; reinstatement and license fees go to the DMV directly.
